金融监管总局出招稳外贸：优化出口信用险、组建内贸险共保体

Core Viewpoint - The Chinese government is implementing a series of financial policies to stabilize the market and support foreign trade development amid increasing external shocks and trade frictions [2][3]. Group 1: Financial Policies for Trade Support - The National Financial Regulatory Administration will develop targeted policies for the banking and insurance sectors to support foreign trade, particularly for businesses significantly affected by tariffs [2]. - A new insurance product, "domestic trade insurance," will be introduced to mitigate risks in domestic trade activities, focusing on accounts receivable risks [2]. - Current domestic trade insurance coverage is low, with less than 10% of domestic trade volume insured, indicating a significant unmet demand from trading companies [2]. Group 2: Financing and Support for Small and Micro Enterprises - The financial regulatory body aims to enhance financing support for small and micro enterprises by increasing the availability of first loans, renewals, and credit loans [3][4]. - A financing coordination mechanism has been established, which has visited over 67 million businesses and issued loans totaling 12.6 trillion yuan, with about one-third being credit loans [3]. - A comprehensive policy package will be introduced to support small and private enterprises, focusing on increasing supply, reducing costs, improving efficiency, and creating a favorable environment [4]. Group 3: Enhancements in Export Credit Insurance - The regulatory authority plans to optimize export credit insurance policies to improve underwriting capacity, offer preferential rates, and ensure quick claims processing to stabilize export confidence [3]. - Financial services will be enhanced for key areas such as cross-border e-commerce and overseas warehouses, promoting the development of specialized insurance products [3].